Golden Heritage Insurance

Prosperity

Prosperity is definitely a company you want to be able to offer your customers. They are in all states except NY. It is an easy appointment and it is the same commission level for their level, graded, and modified plans.

If you are a face-to-face sales agent, this company does not require a phone interview, however, the application must be written on their e-application so internet is required.

Tobacco use is only for cigarettes. This company is diabetic friendly.

Prosperity accepts EFT, direct express, and direct bill (excluding monthly)

Voice Signature Sales is not available in: CT, DC, DE, ME, MT, ND, NH, PA, SD

New Vista Final Expense:

Issue Ages for Level, Graded, and Modified Plan- 50-80

Minimum $1,500

Maximum $35,000

Level Plan-Full Death Benefit all years

Graded Plan-Limited death benefit for non-accidental death in the first 2 years. Limited benefit equals a percent of the face amount. Year 1=30%,

Year 2=70%.

Modified Plan-First year coverage the death benefit is equal to 110% of the annual premium. Second year the death benefit is equal to 231% of the annual premium. After the 2nd year, the death benefit is equal to the face amount of the policy.

Riders:

Accelerated Death Benefit is included in all the above policies at no extra charge.

Accidental Death Benefit Rider-Optional

Issue Ages 50-74

Can be added to all 3 death benefit options. Expires age 75.

Prime Term:

Simplified Issue graded death benefit term policy. Renewable to age 100. It is graded for the first 3 years, then is the full face amount in years 4 through 20.

At end of the initial 20 year term, the premium remains level and the death benefit decreases annually to age 100, at which the time the policy expires.

This product is designed for customers who are in less-than-perfect health but who have a life expectancy of several years.

NO medical exams. Acceptance based on answers to 3 medical questions.MIB and prescription history.

Issue Age: 40-80

Coverage Amounts:

Minimum Face Amount: $5,000

Maximum Face Amount: $30,000

Accidental Death: For an accidental death occurring during the first 3 years, the death benefit is the full face amount.

Uni-smoke rates

No ht/wt requirements

No policy fee